The smoke leaves your system as soon as you exhale

Not that it'a any of your business,,,

9 inches...

wheel, he wan't asking for your inseam.....😁

The answer is thirty days. The test is for cotine levels in your blood. The range is 0.0-0.24....cotine is what nicotine becomes in the blood stream when it is introduced into the blood stream over time. kinda like testing your blood sugars A1c level over a time period.

Your cotine level must be 0.0 to qualify for non-smoker rates with most companies.

Since nicotine is NOT ingested directly in the blood system like cigarettes, you stand a better chance of being closer to the 0.0 range if you WERE to stop smoking for thirty days or more(I don't recommend doing this in light of the LEGAL ramifications of lying to the insurance company) because cotine is not stored for long periods of time when you smoke fewer cigars over time. IF they find even 0.1 level in your blood, they will tell you you are a smoker.

In my opinion, this is why fewer MODERATE cigar smokers say five or less, have a better chance of being cancer free in their lifetime.

I am not saying this is guaranteed.....just for your information to help make an educated decision. What you tell them is up to you. AGAIN, there are legal ramifications that go along with this.

Some insurance companies have non smoker rates for cigar smokers. IF you smoke LESS than once cigar a month ie: the celebratory cigar at a wedding etc. Might want to go that route....

I hope this makes sense:-k .

GOOD LUCK!

What, this, oh here.

Yeah man... wait a minute, Hey man, that's pee!

Of course.

Hey man, what are you doing with pee, man?

It's for my probation officer.

What, does he drink pee?

No man, he said he wanted me to bring some in next time, but I forgot to rinse the jar out first, and once he sees the mayonnaise floatin' around, he'll think I'm on some weird drug again, and I'm really gonna f**k with his mind this time.

Yeah, what did you do?

Put my SISTERS pee in it.

Your sister?

Yeah, she's pregnant!

Sorry, didn't mean to thread jack or make light of your situation. Your dilemna reminded me of this movie scene...

A. Wrong question to ask.

B. The right question is : If I am going to apply for disability life insurance and I smoke cigars, should I be open and honest about it with my agent and the insurer(s) I apply for coverage from?

C. Short: Answer is "yes". To do other wise is totally idiotic.

D. some potential consequence of being untruthful:

1. Your application gets rejected and when asked on subsequent applications if you have ever had an application rejected, you will have to truthfully answer "Yes" and explain why- "Because I tried to defraud another insurer by claiming I do not smoke and they found nicotine in my blood or urine."; and

2. Any material representation (fraud) in the application for insurance coverage makes the policy voidable. Here in Florida, that gives the insurer two years from the date the policy was issued to contest the misrepresentation. You could lose the coverage. Even worse, should you die during the contestable time-period, the insurer won't pay the death claim. All it will do is refund the premiums paid to your estate. Is that any real way to protect your beneficiaries?

E. Do a CBID search on this topic. We have discussed and debated this issue ad nauseum. I hold the minority opinion, but then again I have seen the like happen to supposed insureds and have been unable to help them after the fact. If you want protection, get the real thing and don't screw around!

F. Any agent who chimes in after this post and tells you otherwise (trap for the unwary!) either does not understand his/her fiduciary duty to you; is begging for an E&O claim or is simply a total idiot. Run away, don't walk, run!